Gemaco - The General Insurance Agency

Gemaco - The General Insurance Agency A Professional General Insurance Agent with more than 40 years experience in the industry. We are sp

It tooks 5 weeks to complete the claim process.Thanks to all the relevant parties.You guys rocks 🎉🎉
03/10/2022

It tooks 5 weeks to complete the claim process.
Thanks to all the relevant parties.
You guys rocks 🎉🎉


The storage of our achievements.Thank customers for their support over the years....
26/08/2022

The storage of our achievements.
Thank customers for their support over the years....


Wishing all the fathers out there Happy Father's Day! Cheers..
19/06/2022

Wishing all the fathers out there Happy Father's Day! Cheers..

09/02/2022

A late motivation for this challenging year 2022. 💪💪💪

Eagle is a recognition for more than 1 million collected premium, excluding motor biz (cars, bikes and lorries).


19/12/2021

The mother nature🌩️🌩️ is taking over now.
Make sure you have appropriate insurance protection to minimise the losses.
Flood🌊🌊 add-on is a MUST now.

大自然🌩️🌩️正在控制中。
确保您有适当的保障来减少损失。
附加水险🌊🌊是必须的。

今天和大家分享汽车🚘🚘保险的冷知识 😏😏1. Sum insured 保额 -Agreed Value VS Market Value ‼️如果在保单有出现 Agreed Value 那就是Agreed Value，如果没有就是Market...
17/10/2021

今天和大家分享汽车🚘🚘保险的冷知识 😏😏

1. Sum insured 保额 -
Agreed Value VS Market Value ‼️
如果在保单有出现 Agreed Value 那就是Agreed Value，如果没有就是Market Value.

那什么是Agreed Value和Market Value呢🤔🤔❓❓
✅Agreed value - 当汽车在需要报废/被偷时(total loss/theft) ，赔偿是根据保额(sum insured)来赔偿。👍👍
✅Market value - 当汽车在需要报废/被偷时(total loss/theft) ，赔偿是根据当时的时价来赔偿，所谓的赔不足，90/80％ (因为汽车是贬值的资产) 。
两者相比： MV的缺点 - 不确定性，白字黑字不明确。

2. Excess/余额
✅当索赔时，保险公司不赔偿的数额，客户需要自付。😱😱😱
✅比如保额是RM100,000.00, 余额 RM1,000.00
当车祸后，客户需自费RM1,000.00才能取车，或公司赔偿RM 99,000.00 (100k - 1k)。

你学会了吗？😎😎

P/S: 在我们这里，我们会尽所能帮客户们争取Agreed Value 和 0 excess以让客户的利益最大化。🥰🥰🥰

Today, we'll talk about the unknown knowledge of 🚗🚗 CAR INSURANCE 😏😏

1. Sum insured - Agreed Value VS Market Value‼ ️
If the Policy Schedule stated AGREED VALUE, it is Agreed Value. Otherwise, it is Market Value.

So what is the difference between Agreed Value and Market Value? 🤔🤔🤔
✅Agreed Value - When the car is total loss/stolen, the compensation is based on the sum insured stated in the policy (straightforward).👍👍
✅Market value - When the car is total loss/stolen, the compensation is based on the current value at the time of loss. So-called 90/80% of compensation (subjective, because the car is a depreciated asset).

Therefore, MV creates uncertainty, subjective outcomes.

2. Excess amount
✅When making a claim, the customer needs to PAY/BEAR for the EXCESS amount. 😱😱😱
✅For example, the sum insured is RM100,000.00, and the EXCESS is RM1,000.00
After a car accident, the customer has to pay RM1,000.00 in order to collect the car, or the company compensates RM 99,000.00 (100k-1k) in the event of total loss/stolen.

Have you learned it? 😎😎

P/S: We will try our very best to help our customers for Agreed Value and 0 EXCESS in order to maximize the customers' interest.



经过上一次的分享之后，很多人来询问住家🏘️🏘️保险保单到底涵盖了什么❓❓在这里我和大家解释一下👇👇☑️ 火灾 🔥☑️ 打雷闪电 🌩️☑️ 暴风雨🌪️☑️ 爆炸☑️ 水槽或水管漏水☑️ 被别人的车辆或动物撞击导致损坏☑️ 物品从天而降导致损坏...
21/09/2021

经过上一次的分享之后，很多人来询问住家🏘️🏘️保险保单到底涵盖了什么❓❓
在这里我和大家解释一下👇👇
☑️ 火灾 🔥
☑️ 打雷闪电 🌩️
☑️ 暴风雨🌪️
☑️ 爆炸
☑️ 水槽或水管漏水
☑️ 被别人的车辆或动物撞击导致损坏
☑️ 物品从天而降导致损坏
☑️ 水灾🌊🌊
☑️ 地震
☑️ 破门行窃（1/3私人财物）

能附加的有 👇👇
☑️ 地陷
☑️ 暴动或恶意破坏

除此之外还有很稀有的附加保障🥰🥰

点击👇👇下方网址以计算你的保障与保费‼️

https://getquote.allianz.com.my/smart-home-cover/?utm_source=AGBP10025

想询问详情欢迎PM我们🥰🥰

想了解更多的人可以点击以下的link ❗❗

https://piam.org.my/fire-house-owner-house-holder-insurance/

From the last sharing, many people came to ask me what does SMART HOME COVER actually covers ❓❓
Here you are 👇👇
☑️ Fire 🔥
☑️ Thunder and lightning🌩️
☑️ storm🌪️
☑️ explosion
☑️ Leaking of water tank or pipe
☑️ Damaged by other's vehicles or animal
☑️ Objects falling from the sky
☑️ Flood 🌊🌊
☑️ Earthquake
☑️ Housebreaking (1/3 personal belongings)

It can be extend to include 👇👇
☑️ Subsidence or landslide
☑️ Riot or Malicious damage

Besides, you may further add-on with other protections❗❗

You can click on the URL 👇👇below to get quote on your protection and premiums ‼️

https://getquote.allianz.com.my/smart-home-cover/?utm_source=AGBP10025

Do PM us for more details🥰🥰

Those wanna understand more, can click on the reference below 👇👇 ❗❗

https://piam.org.my/fire-house-owner-house-holder-insurance/


📢 号外❗ 📢 号外❗ 📢 号外❗Allianz 保险开始做促销了，🏠🏠住家保险折扣高达30％ 😱😱‼️这么多 ⁉️ 没错，就是这么多😜😜 存货有限‼️走过路过千万不要错过🤙🤙🤙点击👇👇下方网址以计算你的保障与保费‼️https://g...
12/09/2021

📢 号外❗ 📢 号外❗ 📢 号外❗
Allianz 保险开始做促销了，🏠🏠住家保险折扣高达30％ 😱😱‼️
这么多 ⁉️ 没错，就是这么多😜😜 存货有限‼️
走过路过千万不要错过🤙🤙🤙
点击👇👇下方网址以计算你的保障与保费‼️

https://getquote.allianz.com.my/smart-home-cover/?utm_source=AGBP10025

☑️ 注意：这项保障不止是🔥🔥火灾，还包括🌊🌊水灾，🌩️🌩️打雷闪电，和👣👣破门行窃等等😇😇
☑️ 如有问题欢迎PM我们🥰🥰

P/S 最近天气时好时坏，每次看到🌧️🌧️天黑黑时都让我担心那些还没买到的人，🙏🙏希望他们平安无事 😇😇

📢 Great news everyone‼️
Allianz Insurance started to do a promotion, the 🏠🏠 HomeInsurance DISCOUNT UP TO 30% 😱😱‼️
Grab the chance now while stock last 🤙🤙🤙
You can click on the URL 👇👇below to get quote on your protection and premiums ‼️

https://getquote.allianz.com.my/smart-home-cover/?utm_source=AGBP10025

☑️ This protection is not only 🔥🔥Fire, but also includes 🌊🌊 Flood, 🌩️🌩️ Thunder and lightning, 👣👣 Burglary and etc.😇😇
☑️ If you have any questions, please PM us 🥰🥰

P/S: The weather has been 🌤️🌤️good and 🌧️🌧️bad recently, every time I see it gets 🌧️🌧️, it makes me worry about those who haven't bought it yet, 🙏🙏hope they are all right‼️

在普险业经营了超过40年的我们依然坚持一样的理念:1. 为客户解决保险的问题。2. 为客户解决索赔的细节。感谢一路支持与信任我们的客户🥰🥰。想要了解更多欢迎联络我们。We have been in the General Insurance...
06/09/2021

在普险业经营了超过40年的我们依然坚持一样的理念:
1. 为客户解决保险的问题。
2. 为客户解决索赔的细节。

感谢一路支持与信任我们的客户🥰🥰。
想要了解更多欢迎联络我们。

We have been in the General Insurance industry for more than 40 years and we still adhere to the same philosophy:
1. Helping our clients in all the insurance matters.
2. Assisting our clients in claim details.

A big thanks to all our clients that all the way supporting and believing in us🥰🥰.
Welcome for enquiry.


No need to have roadtax now, as long as you have renewed your 🚗🚗 Insurance.Does anyone know why we must renew our🚙🚙 insu...
03/09/2021

No need to have roadtax now, as long as you have renewed your 🚗🚗 Insurance.
Does anyone know why we must renew our🚙🚙 insurance??
路税可以不还，保险一定要有。
为什么一定要有🚙🚙汽车保险呢？！


Thanks Allianz.Time flies.一转眼中秋节又要到了。
29/08/2021

Thanks Allianz.
Time flies.
一转眼中秋节又要到了。


Many Batu Pahat residents are suffering today. Do you know FLOOD 🌊🌊 coverage is included in your House Insurance or can ...
24/08/2021

Many Batu Pahat residents are suffering today.
Do you know FLOOD 🌊🌊 coverage is included in your House Insurance or can be add-on？
Find out more with us today before the unfavourable event comes to you.

今天很多峇株巴辖的市民受到水灾的折磨。
你们知道水灾🌊🌊是受保在住家保险或能加保的吗？
向我们询问详情，以在未发生悲剧前投保。


Address

55 Jalan Chengal, Taman
Batu Pahat
83000

Opening Hours

Monday 09:00 - 17:30
Tuesday 09:00 - 17:30
Wednesday 09:00 - 17:30
Thursday 09:00 - 17:30
Friday 09:00 - 17:00

Telephone

+60127216055

Website

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